UK National Insurance Calculator
Estimate your National Insurance contributions for the 2025/26 tax year based on your earnings and employment type.
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For illustrative purposes only — not financial advice.
Ready
Annual NI Contribution £0.00
Monthly NI Contribution £0.00
| Details | Amount (£) |
|---|---|
| Annual Income | 0.00 |
| Employment Type | - |
| Tax Year | 2025/26 |
| Region | UK |
| Total NI | £0.00 |
National Insurance Rates for 2025–26
Employee NI (Class 1)
| £0 – £12,570 | 0% |
|---|---|
| £12,571 – £50,270 | 10% |
| Over £50,270 | 2% |
Self-Employed NI (Class 2 & 4)
Approx 2025 HMRC values — update when confirmed
| NI Class | Rate / Income Range |
|---|---|
| Class 2 | Weekly flat rate (if earnings above threshold) |
| Class 4 |
10% on profits £12,571 – £50,270 2% above £50,270 |
How National Insurance Works
National Insurance (NI) is a tax paid by workers and the self-employed to qualify for state benefits such as the State Pension. The amount you pay depends on your employment status and income level.
- Class 1: Paid by employees via PAYE.
- Class 2: Flat weekly rate for self-employed people.
- Class 4: Percentage of profits for self-employed people.
- Directors: Pay Class 1 on an annual earnings basis.
National Insurance Examples
Employee earning £20,000
- Class 1 NI: ~£748 per year
- Total NI: £748
Employee earning £50,000
- Class 1 NI: ~£3,743 per year
- Total NI: £3,743
Self-employed earning £40,000
- Class 2 NI: ~£179
- Class 4 NI: ~£2,743
- Total NI: £2,922
Frequently Asked Questions
Yes — if they earn above the NI threshold through employment.
No — NI stops once you reach State Pension age.
This UK National Insurance Calculator estimates Class 1, Class 2 and Class 4 contributions using the latest HMRC thresholds for 2025–26.